277 Grand Dr, O Fallon, MO 63366 Property Records

St. Charles County property record for 277 Grand Dr, O Fallon, MO 63366

Property Summary

Property Type	Single Family Home
Details	3 bd · 3 ba · 2,913 sqft · built 1998
Lot Size	0.2 acres (8,712 sqft)
Owner	2 Individual Names on File
Last Sale	$234,500 (Dec 2015)
Tax Bill	$4,111 (2025)
Deeds & Mortgages	Oct 2026 Transfer Feb 2021 Mortgage + 1 more
Flood Zone	Zone X (minimal risk)
APN	`A972001943`

Property Details

APN / Parcel Number

Primary APN	`A972001943`
Alternative APN	`2-0098-7651-00-0019.0000000`

Interior

Bedrooms	3 Beds
Full Baths	3 Baths
Total Rooms	5 Rooms
Stories	1 Story
Building Area	2,913 sqft Living Area
Gross Area	3,538 sqft
1st Floor Area	1,613 sqft
Basement Area	1,525 sqft
Finished Basement	1,300 sqft
Unfinished Basement	225 sqft
Fireplaces	1 Fireplace
Fireplace	Fireplace

Exterior

Year Built	Built 1998
Effective Year Built	Effective 1998
Architectural Style	Ranch
Exterior Material	Brick/Stone
Lot Area	8,712 sqft (0.2 acres)
Garage Type	Attached
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces
Porch	Open Porch
Porch Area	85 sqft
Patio Area	80 sqft

Utilities, Heating & Cooling

Heating Fuel	Gas
Sewer	Connected

Location & Zoning

Account Number	A972001943
Street Address	277 GRAND DR
City	O FALLON
State	MO
Zip	63366-4354
Property Category	Residential
Property Type	Residential > Single Family > Home
Legal Description	HIGHGROVE PL #1 LOT 19
Legal Subdivision	HIGHGROVE PL #1
Legal Lot Number	19
Jurisdiction	ST CHARLES MO
Township / Civil Division	WENTZVILLE
Census Block Group	2
Census Block	2006
Census Tract	311604

Owner

277 Grand Dr is owned and occupied by two individuals who bought it in December 2015.

Source: St. Charles County records, as of August 7, 2026

Owner of Record	2 Individual Names on File
Mailing Address	277 GRAND DR, O FALLON, MO 63366-4354
Occupancy	Owner Occupied
Owner Type	Individual

Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.

Deeds, Mortgages & Sale History

Date	Document
Oct 14, 2026	Transfer on Death Deed, Transfer NONE LISTED ON DOCUMENT
Feb 26, 2021	Deed of Trust, Mortgage · Conventional Mortgage FLAGSTAR BANK FSB
Nov 30, 2017	Deed of Trust, Mortgage · Conventional Mortgage MIDLAND STATES BANK

Assessor's Deed Record

Deed Names	2 Names on Deed
Last Sale	Dec 15, 2015 · Amount on File
Deed Sale	Dec 15, 2015 · Amount on File
Prior Sale	Nov 5, 1998 · Amount on File
Deed Document Number	2015819930
Deed Book / Page	6464 / 1906
Record Updated	Oct 29, 2026

October 2026: Transfer on Death Deed, Transfer

Document Type	Transfer on Death Deed
Jurisdiction	ST CHARLES MO
Recording Date	Oct 14, 2026
Property Address	277 GRAND DR, O FALLON, MO 63366-4354
Document Number	0000048868
Instrument Date	Oct 2, 2026
Instrument	202648868
Transaction Type	Transfer
Record Updated	Oct 23, 2026
Title Company	NONE LISTED ON DOCUMENT

Transaction

Tax	$0.00
Amount Accuracy	Full Amount Stated
Additional	Intrafamily Transfer

Transferred From (Grantor/Seller)

Name	Verified Name

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	277 GRAND DR, O FALLON, MO 63366-4354

February 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	277 GRAND DR, O FALLON, MO 63366-4354
Transaction Type	Mortgage
Record Updated	Mar 24, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	2021R017179
Date	Feb 26, 2021
Instrument	2021R-017179

Lender

Name	FLAGSTAR BANK FSB
Type	Bank
Address	TROY, MI 48098

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Mar 1, 2051

November 2017: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	ST CHARLES MO
Property Address	277 GRAND DR, O FALLON, MO 63366-4354
Transaction Type	Mortgage
Record Updated	Feb 5, 2021

Transferred To (Grantee/Buyer)

Name	Verified Name

Mortgage

Document Number	0068460021
Date	Nov 30, 2017
Book Page	6846/0021
Instrument	20171130000741100

Lender

Name	MIDLAND STATES BANK
Type	Bank
Address	EFFINGHAM, IL 62401

Agreement

Type	Conventional Mortgage
Amount	Amount on Record
Term	361 Months
Due	Dec 1, 2047

Tax Assessment & Valuation

The 2025 property tax bill for 277 Grand Dr was $4,111.

Source: St. Charles County assessment roll, as of August 7, 2026

Property Jurisdictions

Type	Name
State	Missouri
County	St. Charles County
Municipality	O'Fallon City
Unified School District	Fort Zumwalt R-II School District (PK - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026		$64,009 (-)	$336,890 (-) Land $65,000 Building $271,890
2025	$4,111.00	$64,009	$336,890 Land $65,000 Building $271,890
2023		$59,414
2022			$312,704 Land $50,000 Building $262,704

Assessed value and assessed market value are set for property tax purposes, not market price estimates; both are a fraction of this property's market value.

Flood

FEMA maps place 277 Grand Dr in Zone X, an area of minimal flood risk.

Source: FEMA National Flood Hazard Layer, effective August 25, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone X minimal risk
Flood Insurance Requirement	Not required lenders may require it
Community Rating System	Class 6 (20% premium discount)
Nearby Flood Policies	1 in force

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Wildfire risk around 277 Grand Dr is low, with a 0.01% annual chance of wildfire.

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 80% of the US · lower than 84% of Missouri
Wildfire Likelihood	0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	OFALLON PWS serves 32,515 people · EPA ID MO6010588
Water Source	Purchased surface water from several systems
Last State Inspection	Aug 2024
Lead	2 ppb (2023–2025) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	None last 10 years
Monitoring and Reporting	1 last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.

Internet Providers

Source: FCC Broadband Data Collection, based on 453 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Gateway Fiber Fiber	2,000 / 2,000
Spectrum Cable · Fiber in parts of the area	1,000 / 1,000
T-Mobile Fixed Wireless	100 / 20
AT&T Fixed Wireless	100 / 20

May also be available: Socket Telecom, Verizon, Wisper ISP.

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